Saturday, November 2, 2013

Enhancing Disability Income Insurance With Long Term Care


What's less expensive than disability insurance, easier to underwrite, doesn't require a blood test, not occupation sensitive, pays a cash benefit, doesn't require income verification... and doesn't stop at age 65 or 70 or even when you stop working?

Answer: Long term care insurance with an indemnity "cash payment" rider.

Here are some common problems you may encounter when looking to purchase or increase disability insurance coverage:

You can't verify your income. Your occupation is considered risky. You have a disability income policy, but it's not enough to cover your expenses. You are approaching retirement age and the insurance will stop in a few years. Your disability insurance will stop but your living expenses won't. You need the disability insurance but it's too expensive.

Over the years, I've met with individuals who needed disability income protection, but for one reason or another were not able to qualify for it. Many had personal roadblocks that prevented them from qualifying for the disability insurance coverage, such as:

1. Tax returns that showed lower income. -had an occupation considered risky by disability carrier.
2. There were preexisting conditions that a typical disability policy would exclude.
3. Income was not properly documented. -occupation would preclude them from being eligible for disability income protection.

When insurance companies underwrite a disability income policy they look at morbidity (illness or injury) rates as compared to life insurance companies calculations of mortality. Statistics show that the average 35 year old has a 25% chance of being disabled for 90 days or more during their working career. That's a 1 in 4 chance of an insurance company having to pay out significant benefits for thirty or more years. Disability insurance companies have gotten burnt over the years using "relaxed" underwriting procedures. They've paid out huge claims for their mistakes and now they've tightened their guidelines for qualifying for disability income protection.

So, what do you do when you want to purchase disability insurance and your income isn't high enough to qualify for the benefit amount you need? The answer is long term care insurance with an indemnity or cash payment rider added on. Since long term care is based upon functionality (being able to perform the normal activities of daily living such as dressing or bathing) and not income or not being able to work, the insurance company is not going to look at your income or your exact job description. You can purchase an indemnity cash payment policy or one with a rider and have the benefit paid out to you directly from the company regardless of how much you are earning at the time you are injured or sick.

The same concepts hold true for type of occupation or even if you aren't even working. An indemnity long term care policy will pay your daily benefit directly to you if you need assistance performing activities of daily living (hands on care) or need someone "standing by" to prevent you from hurting yourself. The great thing about some of these policies is that you can have anyone take care of you, including family members and friends. In many cases you can take a tax deduction on premium payments and most of the benefits you receive will be tax free.

If you are approaching 60 years old and have a disability policy then you probably know that in most cases your disability income protection policy will end at age 65 or when you stop working (whichever is sooner). Long term care policies are designed for older ages so you don't have to worry about the coverage stopping when you stop working or reach 65-70 years old. Typically, long term care insurance is less expensive than disability insurance and is much easier to get underwritten. Keep in mind that in order to get trigger benefits you must have an illness or injury that affects your overall functionality in your daily life and be under the care of a doctor who will document that your debilitation will last at least 90 days.

Long term care insurance with an indemnity rider is a great way to layer your disability insurance if you need more coverage. It's also a great way to protect your income and assets in the future.

Best Way to Get Pregnant - Simple Tips That Will Help You Get Pregnant Within Two Months


Giving birth provides an unparalleled feeling of joy in the life of every woman. But for becoming a mother you need to conceive first. And to be fair, every day life has become so hectic that getting pregnant can be a real problem. Thus, knowing the best way to get pregnant can be really helpful.

While there is no fool-proof way to get pregnant, you can follow some simple methods to significantly increase your chances of conceiving. By using these tips, you'll be able to have your very own beautiful baby. And be able to experience the great feeling of being a mother.

1. Even though you might be very busy and usually come back home totally spent, you need to have regular sex. The experts say that you must try to have sex at least every other day in order to be able to get pregnant.

2. Try to find out when you ovulate. If you have a regular 28 day cycle, you can just count 14 days from the first day of your period to get your ovulation date. But in case your periods aren't regular, you can use an ovulation kit to calculate your ovulation date. These kits are safe and simply test for the presence of luteinizing hormones (which indicate ovulation) in your urine.

3. The chances of pregnancy are at their highest two days before ovulation and so this may be the right time for you to have sex. This is when the cervical mucus can expedite the flow of sperms towards the egg.

4. Be patient and give it about six months to year before you consult a doctor regarding possible fertility problems and other ways to get pregnant.

How to Get Pregnant Easy - A Couple Tips to Help You Conceive Faster


If you have decided it is time to start your family, then congratulations! You are taking a path that is very noble and it will be a very fun adventure. Now, you probably want to know how to get pregnant easy and you want it to happen pretty quickly. There are some things that can be controlled and some that cannot. Here are some tips to help you.

First, if you have been taking birth control, and you are obviously stopping, you need to know that it can take as long as 18 months for you to be in an optimal position to conceive a child after birth control. It can also happen very quickly and birth control is only 99% effective because you can actually conceive while taking it so you are probably looking at anywhere from 2 months to 18 months or longer.

Second, you need to know that there are things you can do to increase your odds of getting pregnant faster. You can start by picking up a guide online or in your local bookstore that is filled with different secrets to help you conceive faster. Now if you go to the bookstore they will probably not let you return the book if it does not help, but with an online guide you get a full money back guarantee if you are not satisfied.

Third, you can start by tracking your ovulation. This will give you optimal chances each month to get pregnant and is not a hard thing to do. There are a handful of ways to do this including ovulation tests and trackers. You want to make sure you have intercourse on the days you are ovulating and if you do this you will give yourself a better chance of actually getting pregnant.

Last, you need to know the best ways to increase your ovulation period and to increase your chances of conception. Sure pregnancy is something we can't completely control, but that does not mean you cannot give your body the best possible chance to conceive and you can do this by learning how to get pregnant easy.

Pregnancy and Panic Attacks - 4 Simple Tips Will Help You to Deal With Anxiety and Panic Attacks


Pregnancy and panic attacks seems to be a common issue that is discussed among pregnant mothers these days. If you are looking for some answers on how to deal with panic attacks during pregnancy, then you will want to read this article.

First, ask yourself a question. Am I suffering from anxiety and panic disorder?

If this is your first baby then chances are you are suffering from anxiety and panic attacks. While most pregnant mothers can easily overcome this situation after first delivery but trust me, you are not alone in this world to face this endemic disease.

First of all, what you really need is to manage your stress levels.

Anything that stresses you out, also stresses out the unborn baby. Stress can affect your pregnancy only if you let it. You must remember is that your unborn child is the most precious person in your life. Try to control your stresses. Talk to your friend. Go for a short walk or watch tv. There are many ways and skills that you can learn to manage your stress levels. Some techniques really help us to remain calm in high pressure situations. You can consult your doctor and he will guide you accordingly.

Breathing techniques can help you to prevent panic attacks. Breathing control will not only help you during your pregnancy but it will also help you to improve your physical and mental conditions. There are two basic breathing control techniques which you can easily practice in your spare time.

Abdominal breathing

- Place one hand on your stomach

- Breathe in slowly and deeply into your bottom of your lungs. You should be able to feel and your stomach expand while you shoulders and chest move very little

- Pause for a moment, and then breathe out slowly. As you breathe out, allow your body to relax

- Repeat at least 10 times to keep your breathing smooth and regular. After 5 minutes of abdominal breathing, you will notice that you are much less anxious.

This exercise should be practiced at least once in a day.

Slow breathing

- Breathe in slowly, counting silently to yourself 1..2...3...4..5

- Hold your breathe for a moment

- Breathe out slowly, counting silently to yourself 1..2...3..4...5

As you breathe out, say the word relax quietly.

This exercise is very effective when used at the first signs of panic attack. It needs to be continued for around four minutes to allow the balance of oxygen and carbon dioxide to return to normal.

Keep yourself busy. It will really help to get tired and sleep well in the night. Do not just sit around at home watching tv or reading novels. You really need to involve yourself in hard work. Continue with your daily routine work as you always used to do before pregnancy. Are you self employed? Are you involved in 9.00 to 5.00 office job? Then, consider this as a blessing for you because you constantly keeping your mind engaged with something which will help you stop anxiety and panic attacks.

Think positive. Although, most women do not go through easy pregnancies but always keep looking at the joy in life and pray not to lose self confidence. Just keep your thoughts on having a beautiful healthy baby a true gift from God and the rest will take care of itself. Start thinking from now that everything will go smooth with you and your baby, nothing to worry, I can handle any situations and you will be good to go.

Being pregnant is very exciting, knowing you have something great to look forward at will always help you keep your mind off of your anxiety. Although your self consciousness and willingness greatly matters to overcome anxiety and panic attacks but it is always recommended to discuss all your problems with a doctor straightforwardly.

Unsettled Baby in 2010


In 2010 parents face many issues and obstacles that can lead to an unsettled baby. Any parent caring for an unsettled baby who will not sleep or feed properly will understand how distressing and exhausting both physically and emotionally this can be. I would like to briefly outline some of the areas that could be causing unsettled behaviour in a baby which may shed some light on what parents could do to help. I will break this into four age groups for easy reading:

0 - 4 months

• Maternal anxiety and emotional challenges which could lead to maternal postnatal depression. This fragile emotional state is reflected in a baby's behaviour.
- readjusting to home life after leaving employment
- isolation from a partner working away or no extended family support
- confusion from the abundance of 'helpful' advice
- relationship breakdown with the added pressure of a baby
- over conscientious personality with a high needs baby
• Overstimulated baby
- too many visitors
- too many outings
- bright lights
- shopping centres (some personalities more than others)
• Personality mix of a mother and her baby (Dr Sears)
• Intolerance
- wrong formula
- maternal diet imbalance if breast feeding (commonly high sugar or dairy intake)
• Colic or reflux pain and discomfort
• Digestive disturbances from spinal subluxations occurring at birth (Paediatric trained Chiropractor can assist with relieving this)
• Hungry
• Over fed
• Not ready to self settle and sleep

4 - 9 months

• Food intolerance and imbalance in a baby's diet
• Preservatives
• Increase in carbohydrates to protein and fats ratio
• Hungry requiring either more milk feeds or solids
• Overtired, rushed or overstimulated (media imaging)
• Recovering from or suffering from an illness
• Situation
-returning from holidays
-moving house
-dad works away
-too many trips in and out of the car, drop offs and carers
• 'sleep associations' that do not suit individual child or situation
-dummy
-feeding
-rocking
• Lack of suitable and consistent routine

9 - 18 months

• All of the above age group suggestions
• Parents trying too hard to get things right or comparing their baby to others without recognising individual development. This can lead to maternal anxiety, tension and depression
• A baby not having enough activity and stimulation to adequately prepare them for sleep

18 months onward

• Fears developing from what is seen or heard in books, media and situations witnessed or experienced at Day Care
• Night terrors occurring in the earlier part of the night
• Nightmares occurring in the earlier hours of the morning
• Lack of consistent and predictable routine
• Poor diet

Not all sleep issues or babies are the same, therefore different strategies maybe required. Some of these a parent will be able to fix themselves while others may require professional help.

Friday, November 1, 2013

How Safe Is Pregnancy Massage?


For centuries people have used massage for therapeutic reasons to help get rid of stress and tension built up in the muscles. Pregnancy is stressful, because of the excessive weight gain and pregnant woman can benefit from a therapeutic massage to help relieve the stretching, aching muscles. Pregnancy requires a different approach though, but the benefits, if done right, help add to a healthy prenatal care. A pregnant woman needs to find a massage therapist who has training and certification to give prenatal massages. They know how to massage a pregnant mother safely without harming her or the baby.

Benefits

Because massage acts to reduce stress it helps a pregnant mom to feel relaxed, and this helps her to be healthier because she has relief from the muscle strain. Massage helps to relieve depression symptoms because it gives an overall good feeling. Swedish massage works to improve circulation and lymphatic system with the focus on muscle groups throughout the body. Swedish massage is safe for pregnancy because it works to target areas that change due to pregnancy hormones, including the loosening of the joints and muscles relieving the most common discomforts of a growing pregnancy.

Massage Regulates Hormones and Reduces Swelling

Pregnancy hormones surge through the mother, often making her feel discomfort. Because safe massages helps with circulation, it also helps with overall well-being, and that includes hormone regulation, because when the mother is stress-free, her hormones will remain balanced. Stress causes hormones to fluctuate. A good massage will aid the body in releasing more serotonin and dopamine (feel good hormones) and helps to reduce the stress hormones of cortisol and norepinephrine (stress producers). This helps the pregnant mom to relax and reduces the instances of preterm labour issues.

Swelling is just a part of pregnancy, and the swelling affects the muscles and joints causing discomfort. A good massage helps to alleviate the swelling by causing the soft tissues to reduce the fluid build-up. This aids the body in disposing of the excessive fluids, which helps to add to the comfort of the pregnant mom.

Precautions

It is risky to receive a massage from someone who is not certified to do prenatal massages. Only those who have proper certification and education are qualified to give a pregnant woman a safe massage. Seek out professionals who can show their credentials and references. Pregnant women require specialized treatment to allow for their growing belly. Avoid tables with holes, which allow the belly to stretch unnecessarily. Instead, a professional massage therapist will have her to lie on her side, to support the growing belly.

Who should not have a prenatal massage?

Any pregnant woman who is experiencing a high-risk pregnancy should avoid a prenatal massage. High risk conditions such as high blood pressure from preeclampsia or PIH, at risk for preterm labour and premature birth. Other than those conditions, a pregnant woman should ask her health care provider if she is okay to have a prenatal massage. Generally if she is in good health, prenatal massage is safe, however some believe it is dangerous for a woman in her first trimester, feeling it may increase the risk for miscarriage.

Basic Information on Indian Labour Law


Labour rights are integral part of socio-economic development of every country across the world. To protect these rights, every nation has passed certain laws addressing the restrictions and legal benefits of the labours and their organisations. These laws are commonly referred as Labour Laws.

In simple words, labour law is a legal structure or an administrative ruling that deals with the rights and restrictions imposed on the labours and their organisations by the government. Generally, it covers the demands of the employees to have better working conditions, the right to form trade union or to work independently without joining the union and other safety rights. Similarly, it also covers demands of the employers to keep control over - the use of power by the worker's organisations, the costs of labour, costly health and safety requirements of the workers, etc.

Indian Labour Law:

Like other nations, the labour law in India also covers the same fundamental labour rights that are required to maintain harmonious relationship between the employees, employers and the trade unions. However, there are certain amendments made in the laws depending on the culture, society and constitution of India.

All the commercial establishments in the country are required to implement the Central and State Government labour law enactments to be recognised as legally authorised organisations. Some of the essential Central Government enactments are as follow:

• The Employees' Provident Fund Act, 1952

• The Employees' State Insurance Act, 1948

• The Minimum Wages Act, 1948

• The Contract Labour (Regulation and Abolition) Act 1970

• The Payment of Bonus Act, 1965

• The Maternity Benefit Act, 1961

• The Payment of Wages Act, 1936

• The Equal Remuneration Act, 1976

The companies have to adhere to the above enactments and other allied laws for the smooth functioning of their business. Any company that doesn't follow the rules listed in these enactments is subject to punishment by the government of India. It is to be noted that the organisations with large operations across the nation find it difficult to keep account of every enactment. So, they may forget to follow one or sometimes many rules of the given enactments.

Therefore, the organisations are recommended to hire a labour law consultant or outsource their legal work related to the rights of workers to a consultancy. These consultancies offer comprehensive services, which normally include -

• Activities related to registration and licensing necessary under the labour laws,

• Calculating periodical liability,

• Maintaining records and statutory registers,

• Documenting and submitting periodical statutory reports,

• Attending periodical statutory inspections and

• Other allied services.

In short, Indian Labour Law has all the necessary provisions to maintain healthy relationship between the working people and their organisations provided both the parties strictly adhere to these legal provisions.

Need Help to Get Pregnant? - Simple Tips to Help You Get Pregnant Fast


Getting pregnant is not as simple for some as it is for others. For those who need a little help in the fertility arena, here are some simple tips that may give you that extra boost you need for conceiving the child of your dreams.

Eat Healthfully

Not all junk food has to be eliminated, but it is important to be in optimal shape when attempting to conceive a child. Both men and women should cut back on caffeine and alcohol intake should be kept to a low as well. High fiber foods that are rich in nutrients are best, and don't forget to take a daily vitamin.

Exercise

Just as the body needs healthy food in order to function properly, it also needs healthy activity. Exercising for just 20 minutes each day can help a body to be more likely to conceive.

Studies have shown that women who are overweight and lose ten or more pounds are more likely to conceive than those who do not attempt to lose weight. Please note: women who are underweight are also unlikely to achieve a healthy pregnancy.

Keep a Chart

Starting on the first day of a menstrual cycle (that is, the first day of bleeding), every morning, before rising, a woman should take her temperature using a special thermometer that gives a basal body reading.

Keeping track of these temperatures throughout the month will tell the couple when the woman is ovulating. Ovulation occurs when the temperature drops, usually mid-cycle. Timing sexual intercourse around this temperature curve gives the couple the highest odds of conception.

Tips For Pregnancy: What You Should Know About Timing When Trying To Get Pregnant


The importance that timing plays when it comes to getting pregnant can never be over emphasized. This is because a woman can only conceive if there are healthy sperms in her reproductive system when ovulation occurs. This is all that one needs to know when it comes to the question: "How do you get pregnant?"

While most people know that timing is important, very few usually know how to properly time sexual intercourse to make sure that their chances of getting pregnant are maximized. Most women usually either calculate the period of ovulation wrongly or approach the process wrongly. The following should help you know what to do to increase your chances of successfully getting pregnant.

Have Sex Before And Not After Ovulation To Get Pregnant Faster

While most people know that knowing when one is ovulating is important, some people usually have sex during or after ovulation. Having sex after ovulation will not help you in your quest to get pregnant. Having sex when ovulating, while it may be successful, is likely to do little towards helping you have a baby. This is so because studies have shown that sperms take a while before being at their optimal performance level. Having sex during the five days preceding ovulation is the most effective strategy that any woman who is trying to get pregnant can use.

Why Ovulation Prediction Kits And A Fertility Monitors Are Useful For Conception

There is always the option of manually creating charts to keep track of your menstrual cycle. While some women successfully use this method when trying pregnant, most women find this method tedious and confusing. For better timing, it is advisable to use fertility monitors and ovulation prediction kits. Given that they have been scientifically designed to predict the period of ovulation, they have better accuracy rates. It is also important to remember that your menstrual cycle doesn't follow the calendar. Most women usually make this mistake and thus as a result end up getting frustrated when trying to get pregnant.

Why Regular Sex Is Always The Best Timing For Pregnancy

When trying to get pregnant, it is important to remember not to be obsessed with timing. Having regular sex is the best way to get pregnant faster as this is bound to increase the chances of having sperms in your reproductive system during ovulation. It is considered a guaranteed technique of getting a baby because a woman's body doesn't always work like a machine. There are likely to be variations in one's menstrual cycle and having regular sex is the only way to ensure that you do not miss the opportunity to conceive.

Moods - The Key to Understanding Yourself and Others


Most conflicts occur when the people are in low moods. We don't realize the connection between low moods and relationship problems. Once you realize how to deal with low moods, you can learn how to avoid damaging your relationships.

It's important for you to support your partner when feeling low. The best way to help a person in a low mood is to be understanding and overlook the effect the mood has on his or her behavior. Never try to talk or reason someone out of a bad mood, you will probably make them angry - to the person, a mood is a self-validating, complete reality.

As weather changes from day to day and hour to hour, so do our moods. We may be sitting on a park bench pondering the beautiful possibilities of life. Moments later we are depressed and thinking about problems. What changed? Who knows? Change is the nature of being human.

Understanding how moods affect our thinking protects us from being conned by them. It is our thoughts about our moods that cause us distress. We fear the moods are "real" that they will last forever. When people don't realize they have moods, they are hoodwinked into thinking reality is changing, not just their thoughts. What is the proper response? Be grateful when your mood is high and graceful when it is low.

Everyone's moods travel up and down, all day long - our perceptions of life go along for the ride. Nothing in the world looks identical from one minute to the next.

HIGH MOODS - we feel relaxed, energetic, in good humor, patient, carefree and compassionate.

LOW MOODS


  1. Mental activity-or thinking-increases.

  2. Thinking gravitates to problems, dissatisfaction and pessimism.

  3. We experience a heightened but distorted sense of immediacy. For example, we think we must do something right away about our circumstances.

  4. We have a pessimistic outlook. We notice limitations and are blind to possibilities.

  5. We entertain many negative thoughts, emotions and concerns.

How we experience low moods differs from person to person.


  • Some get aggressive and belligerent.

  • Others become quiet and distant.

BENEFIT OF LOW MOODS


  1. Low moods contribute to our lives.

  2. They tell us to slow down and recover our bearings.

  3. Low moods offer us humility, when we realize we don't know as much about life as we thought we did.

  4. When low moods end, we realize that our thoughts and fears were blown out of proportion.

Quick Reminders and Tips on Moods


  • They come and go on their own. The less attention we give them, them the better.

  • When you are in a low mood, don't make important life decisions. Your thinking is not as sound as it is in a higher state of mind.

  • When others are in a low state of mind, put everything they say or do in that context. Don't hold it against them or try to argue with them.

  • Keep your spirits up and be understanding will help others to feel better.

  • As you begin to see others moods, you will see how to stay out of their way when they are low. You will also learn to what extent you can trust what they say and do.

  • Resist the temptation to either fight moods or resign yourself to them. Stay open to the possibility that your mood might change at any minute. Realizing you are "in a mood" usually raises your spirits

Help For Financing And Paying For Infertility Treatments


One of the first thing couples who have having problems with infertility discover is how expensive infertility treatments can be. Unless a couple is so fortunate as to be independently wealthy, they will probably need help for financing and paying for infertility treatments. Although advances in technology have reduced the costs of these treatments to some extent, most people will not be able to treat these as out-of-pocket costs. Some desperate couples have even taken out second mortgages on their homes in order to pay for in vitro fertilization.

It goes without saying that the simpler the treatment needed for a woman to become pregnant, the less expense is involved. If a cycle or two of Clomid will handle the problem, the cost will be minimal, but if several cycles of in vitro fertilization are called for, the expenses can mount to $30,000 or more. Unfortunately, most insurance companies tend to consider infertility issues as some sort of luxury, and will not cover them. Fifteen states have mandated that health insurance companies provide some help for paying for infertility treatments, but most will not, and the coverage is not complete. Before starting with infertility treatments, check to see if the state where you live has mandated coverage.

Anyone involved in seeking treatment for infertility will quickly become aware of how costly it is. Routine tests and examinations can run into hundreds or thousands of dollars, and once the problem is pinpointed, it may take several tries before a pregnancy occurs. Artificial insemination can cost between $300 and $800 per try, and in vitro fertilization can easily cost upwards of $20,000. Paying for in vitro can be difficult, but there are several options available to help with IVF treatment cost.

Some couples have found that fertility insurance can provide help for financing and paying for infertility treatments. As with any other kind of insurance, a monthly payment will have to be made, and there are limits to the coverage. Make certain that you understand exactly what will be covered and what will not and make a realistic determination of what you will be able to afford.

For those who are not able to get any insurance for their problem, they may be able to find help for financing and paying for infertility treatments with a loan designed just for that purpose. There are several companies that offer loans to pay for infertility treatments, and this might well be a way to finance everything from several cycles of Clomid to in vitro fertilization. Before signing on the dotted line, however, make sure that you understand exactly what the interest rate will be and how long you can expect to be making payments.

Besides loans and fertility insurance, there are now grants available to couples who otherwise could not afford infertility treatments. There is an international agency that will subsidize in vitro fertilization treatments, and other associations that will provide differing amounts of money to help with financing and paying for infertility treatments. A search on the internet will provide you with more information about these organizations.

For those of us who are not rich, it would be an excellent idea to explore every aspect of paying for infertility treatments. If the lower technology treatments are of no avail, it is good to know in advance what IVF treatment costs and exactly how you will be paying for in vitro fertilization.

Thursday, October 31, 2013

Chiropractic and Postpartum Care


Establishing a postpartum plan of care is essential for a healthy recovery following childbirth. A woman experiences many changes in her body during pregnancy and childbirth, most notable is her posture. The postpartum process is the period of recovery for the mother that begins as soon as the baby is born.

During the first six to eight weeks after delivery, the mother may experience a variety of physical symptoms including sore breasts, hip soreness, vaginal bleeding or soreness from an episiotomy or vaginal tear, problems urinating or with bowel movements, and even hair loss or skin changes.

Chiropractic can play an important role in managing a healthy postpartum recovery. Consulting with a chiropractor and developing a postpartum plan of care can help speed the recovery process and provide for optimal postpartum health. Chiropractic is an all-natural healthcare practice, which focuses on hands-on techniques, natural therapies, proper diet and nutrition, and the overall health and biomechanics of the body as a whole.

During an initial chiropractic postpartum examination, a chiropractor will review daily lifestyle activities since the delivery. These may include: diet, hydration, sleeping patterns, and level of activity. It is important for a new mom to create an approved exercise program, stay hydrated, get as much sleep as the newborn will allow, and eat the right kinds of foods. For example, drinking plenty of water and eating foods high in fiber can help women with voiding issues.

Home exercise programs such as Kegels and exercises that strengthen the core are also important for optimal postpartum recovery. Core strengthening exercises can be completed in as little as five minutes a day and may include exercises as simple as controlled breathing techniques and stretching exercises. These beginner exercises are not strenuous and can be performed early in the postpartum period. In fact, many of these can be performed while the mother is holding and caring for the baby. Thus, the mother can still use the baby's sleep time to attend to other important matters, such as the mother's own sleep time.

As the postpartum period progresses, the mother can transition into more active home exercise programs to strengthen her core. Indeed, she will need this strength to have the energy to lift and carry her baby, and later to keep up with the baby as the baby moves into the toddler years.

For women who experience certain pain and/or dysfunction during the postpartum period, adjustments and other physiotherapy modalities used by chiropractors can help safely and gently return lost function and relieve pain. In addition, a mother receiving chiropractic care will be less inclined to need pharmaceuticals for her pain or dysfunction, which is particularly important for women who are breastfeeding.

Establishing care through a chiropractor is beneficial on many levels. Chiropractors provide personalized care, specifically designed for each patient's needs and goals. The health benefits received from chiropractic during postpartum care can greatly improve the speed and quality of recovery. Moreover, it provides the foundation for a healthy and active lifestyle.

How Quickly Can You Get Pregnant? Follow These Tips to Have a Baby Sooner


The most frequent question asked by most young couples is how soon they can have a baby. Once they are ready for parenthood, they are eager to get pregnant. For some couples, it needs around 5-6 months to conceive whereas others might need several years for a successful conception. The time it takes to get pregnant depends on some factors like lifestyle, body weight and naturally the frequency of having sex. If you and your partner develop a healthy lifestyle, maintain an ideal weight and have sex regularly especially before and during ovulation, you have a much higher chance of conceiving. You can improve the chances if you can predict your ovulation accurately. So, what can you do to improve the chance of getting pregnant? The following tips may help you to get started:

1. The initial step you take is visit your doctor to undergo preconception tests for you and your partner. The required tests include a sperm count, an ovulation test, a Pap smear and a Hysterosalpingogram test. If you show any reproductive problems, discuss them with your doctor so important steps can be taken to improve your chances of getting pregnant.

2. It is important that you read some good information about how to get pregnant fast. There are some crucial things that you need to know before starting to conceive such as how to develop a healthy lifestyle, eating healthy foods, quitting smoking and drinking alcohol as well as limiting your caffeine intake. Doing these things will help you improve your fertility. Besides, a healthy lifestyle will minimize the risks of birth defects. Obtaining information on how to make love in order to get pregnant quickly is also important to do. You should gather information on the frequency, the optimum positions and the best time to have sex. In order to achieve the desired result, you need to clearly understand the signs of ovulation. Ovulation is your most fertile period and having sex within these several days of the monthly cycle will increase your chances of getting pregnant.

3. To conceive successfully, you need to be relaxed. Try to get rid of stress as they can interfere with your ovulation and reduce your partner's sperm production. There are many things that you can do to reduce stress. You can do yoga, get acupuncture treatments or join a stress management program to relax.

4. Dental care is important during your pregnancy. If you have gum disease and you don't treat it properly, it can affect your pregnancy such increasing the probability of having a premature birth. A dentist will examine your teeth carefully to check their conditions. To keep your teeth healthy, you can do regular flossing and brushing at home. Your dentist may also prescribe antiseptic oral rinses for maximum protection.

Experiencing Back Pain During Pregnancy? Please, Read On


Let me first begin by congratulating you on this very exciting journey of being a mom-to-be or perhaps, a dad-to-be? Researching this article stems from my personal experience while pregnant with my sons and the relief from lower back pain that rocking provided. For our dads-to-be, understanding how the methods of obtaining relief explained below, can help the wife, or mother of your precious unborn child, can be very helpful and rewarding.

Back pain and pregnancy have been known to go hand in hand, and is experienced to some degree by most women. It is most common during the later part of your pregnancy as the weight of the baby increases and the steps outlined below explain how back pain can be eased. These range from good posture and exercise to massage therapy. Before these steps are discussed, a good understanding of some of the causes of back pain during pregnancy can help shed some light on the possibility of avoiding it. Potential causes of back pain or discomfort during pregnancy include:

Increase of hormones: Hormones related during pregnancy allow ligaments in the pelvic area to soften and the joints to become looser in preparation for the birthing process of your baby.

Center of gravity: While pregnant, your center of gravity will gradually move forward, as your uterus and baby grow, which causes your posture to change. Additional weight: As your baby grows, and pregnancy develops, your back supports additional weight.

Posture or position: Poor posture, excessive standing, and bending over can trigger or escalate pain already experienced in your back.

Stress: Stress has been known to find the weak spot in the body and as a result of the changes in your pelvic area, increased back pain may be experienced during stressful periods of your pregnancy. Now, with the understanding of some of the causes of back pain experienced in pregnancy, here are some steps that can serve as therapy in relieving your pain.

Practice good posture: As your baby grows and you compensate in some ways to avoid falling forward, thereby straining the muscles in your lower back, tuck your buttocks under, pull your shoulders back and downward, and stand straight and tall. Sit and stand with care: Sitting with your feet elevated using a rocking chair or glider, can support your back and the cushion from the glider rocker serves as a pillow behind your lower back. Change position often and avoid standing for long periods of time. If you must stand, rest one foot on a low step stool.

Lift properly: Squat down and lift with your legs (and may I add that this also helps tone your gluts!). Don't bend at the waist or lift with your back. Please, ask for help when you need it! This was one of the first lessons and tips my husband, who is a family physician shared with me. Sleep on your side, not on your back: keep one or both knees bent, and consider placing a pillow between your knees and another under your abdomen, or better still, use a full-length pillow. Sleeping on your back late in pregnancy may decrease blood flow to the baby.

Try pelvic tilt exercises: kneel on your hands and knees with your head in line with your back. Pull in your abdomen, arching your spine upward. Hold this position for several seconds, and then relax your abdomen and back. Repeat five times, working gradually up to 10. Try heat, cold or a back rub: Apply heat to your back. Soak in a warm bathtub or try a heating pad. Ask someone to help you rub your back.

Get the right gear: Wear low-heeled shoes with good arch support. Wear maternity pants with low, supportive waistband. Also consider using a maternity support belt.

Stay fit: Regular exercise can keep your back strong and may actually relieve back pain. Work with your health care provider, and if permitted, consider swimming, walking or riding a stationary bike.

References:
http://www.mayoclinic.com/health/pregnancy/HQ00302/
http://www.americanpregnancy.org/pregnancyhealth/backpain.html

What Can Help Heartburn During Pregnancy? - Stop Heartburn While Pregnant


Dealing with both heartburn and pregnancy at the same time can be a very bad experience. Over eating is one of the main causes of heartburn during pregnancy. However, when you're pregnant your hormones may have a lot more to do with it.

Even though you can try using medications to help deal with this problem, you can do a lot of little things to ease heartburn during pregnancy. One of the things you must do to help ease the pain and symptoms is watch what you eat.

You should stay away from spicy and acidic foods, or foods that contain a lot of garlic. Avoiding these food items will help lessen the severity of the condition. However, you must know that the growing baby has a lot to do with the severity and frequency of this condition.

While the baby is growing it will put a lot of internal pressure on the stomach causing stomach acid to push up toward the esophagus, which creates the unpleasant burning sensation. So eating the right foods is important to reduce the severity of this as much as possible.

To help lessen heartburn during pregnancy you should also eat small quantities of food. Making the switch from eating larger meals to eating smaller meals will help you to better deal with the added pressure on the stomach caused by the growing baby. The smaller portions of food you're eating will be less likely to get pushed up toward the esophagus and cause heartburn.

Finally, to help with heartburn during pregnancy you should put your feet up when you're resting or sleeping. To help get rid of heartburn pains you should try not to lay down right after you're finished eating. Doing these simple things will help you to safely alleviate heartburn while your pregnant.

Help Me Get Pregnant Quick - I'm Tired of Having Sex


Are you dreading sex because it has become a chore or duty? Are you looking for a way to get pregnant quick? This is exactly how many couples feel when they are trying to conceive a baby.

There is good news in that sex doesn't have to be so 'mechanical' and scheduled. Once you figure out a couple of details you can easily relieve the 'duty calls' feeling and engage in loving intercourse.

If sex has lost that spark and you are starting to view it as a chore then listen up. First you will want to have intercourse at the best time in order to make increase the chance of your egg becoming fertilized. This doesn't mean that you have to have sex all day long or even everyday. Stress will not help your chances of conceiving. So don't stress over this.

To help you figure out the days that you are most fertile you can always purchase an ovulation kit at the store. These are fairly inexpensive and will give you confidence if you feel that you a little unsure. You can also find out your window of opportunity by doing the following.

To do this you have to track your monthly cycles and do some basic counting. Paying close attention to your cycle will help you get pregnant quick! So, starting with the first day of your period and count the days until you are at day 12 of your cycle.

Once you have calculated this mark the days 12 through 16 of your cycle. These are the days in which most women usually ovulate. Now, if you have shorter or longer cycles you may have to adjust this timing.

During the window between day 12 and 16 you should have intercourse every other day. Don't worry, you won't be missing out on any opportunity for fertilization to happen. Sperm can live up to 72 hours once in the vagina. These are persist ant little guys and will swim until their short life is over.

I should mention that the 72 hour lifespan and reproduction ability is all dependent on the health of the male and his sperm, but on average this is the case.

Now that I'm on the subject of health I want to elaborate on this point. Reducing stress and making sure that you both are eating well and getting enough sleep is important to encourage conception and your future pregnancy. Taking some prenatal vitamin is a good idea and will only help with your overall health and the health of your baby.

Need Health Insurance Coverage? Learn how to Choose your Health Insurance with Confidence and Ease


Four Steps to Help You Get the Most from Your Health insurance Coverage Finding, buying, and understanding health insurance coverage options aren't always easy tasks. Here are some easy tips to follow on how to start your journey through all of the online healthcare madness.

Step One - Make a list of your current health conditions, medications, and any other current health related issues. You'll also want to make a note of your primary concerns and questions about choosing adequate health insurance.

Step Two - Get information from several health insurance providers. Not all health care plans are the same. It's well worth the time and effort to review more than once health insurance policy. It can save you time, money, and improve the quality of your healthcare in the future.

Some of the big names in Health insurance may be a great place to start your comparisons such as: Golden Rule Insurance, Celtic Insurance, American Medical Security Insurance, Time Insurance, UNICARE Insurance, Humana Insurance and Blue Cross Blue Shield of Michigan Insurance just to name a few.

Those of you looking for Michigan Medicaid and Medicare help must first meet the requirements for qualifications. Each county may have different requirements such as income and more. Check with your local health department for more information.

Step Three - Review each health insurance plan making notes of benefits provided for these basic coverage sections: physical exams, specialists' care, hospitalization, prescription drugs, dental care, vision care, emergency care Ob-Gyn care, preventative care, and alternative care coverage. Remember to evaluate using the notes you made in step one.

Pay careful attention to co-pays, spending limits, and deductible amounts in each section for each health insurance plan you're reviewing. The goal is to do what's called "comparison shopping." As you go through this process, most likely one or two health care policies will seem to meet your needs better than the others.

Step Four - Once you've picked out two or three possible health insurance plans, make notes of questions and concerns about each. Now it's time to get your questions answered and make your decision.

It's important to make sure you're speaking with a qualified, licensed health insurance agent. Don't hesitate to continue to ask questions until you feel you have all the information you need to make a good choice.

Other Helpful Information

Compare Health insurance Plans Online and Save Time

Take your time to find what you need at a price you can afford. What is great about looking for Health insurance options online is you can compare plans and benefits first on your own, without talking to different representatives. Most Health insurance companies offer FREE online services and FREE online instant rate quotes. All that is required is for you to quickly fill out a secured application. In the matter of minutes you should have your results in front of you. Just in case you have questions these companies have licensed Health insurance professionals waiting for your call.

Keep it Going! Who Can Benefit From Temporary Health insurance?

Temporary health insurance or short-term medical insurance is also available in Michigan and will allow you to have coverage for a temporary amount of time. This type of insurance isn't right for everyone. Inquiries of this form of health care usually comes from those who are between jobs, seasonal employees, laid-off and can even benefit young adults recently coming off of their parents' health plan. Plans tend to last somewhere between six months but some have been known to go twelve months.

Temporary Health insurance forms are much more simple than permanent insurance. Coverage on a short-term plan can begin as quickly as twenty-four hours. This insurance caters to unseen accidents and illness. Because it is temporary, they do not typically cover preventive care, vision, dental or pre-existing conditions. For pre-existing conditions you may want to check your COBRA benefits. There Are Other Ways to Keep Your Health insurance after Losing Your Job

Don't let recent un-employment keep you from the care that you need! For instance if a loved one is expecting, the last thing you want is to lose your maternity insurance. There is another alternative called consolidated Omnibus Budget Reconciliation Act or COBRA. This type of insurance normally last longer than temporary or short-term insurance but it is still a type of temporary insurance. Normally COBRA policies can last for approximately eighteen months. For more detailed information on COBRA's extended policy plans talk to your employer about their specific Health insurance carrier's plan. Many people don't know about temporary Health insurance coverage. In fact, people take chances between coverage all the time because of lack of knowledge. The advantage of temporary Health insurance coverage is to fill a gap in coverage. Although this is temporary coverage is great to have, it does not replace permanent coverage. Michigan HIPAA Laws and How They Could Effect You

If you currently have pre-existing conditions and are looking into short-term Health insurance coverage WAIT! You may be buying health coverage that will not cover you and then make you ineligible for the care that you need. HIPAA stands for Health Insurance Portability and Accountability Act. HIPAA plans are mainly for those who have pre-existing conditions and may have trouble getting health insurance. These plans can be extremely expensive. The HIPAA Federal law gives a person immediate access to comparable coverage when leaving employment that provided coverage.

Get familiar with your rights and consult your benefits advisor to discuss the best options for you. You can take back your health with Health insurance companies where there is a plan to fit everyone's need. Reading up and doing your homework on plans that pertain to your needs can help eliminate useless information and help you find the right Health insurance plan much faster.

Copyright 2006 Lisa Ip

Fertility & Pregnancy - Vibrational Infertility - Understand This to Help You Get & Stay Pregnant


Getting Pregnant

Getting pregnant and having a baby is something that many of us want. In spite of the fact that we were born with the capacity to bring forth new life, getting pregnant and staying pregnant can be a challenge.

Your Fertility

If you have been trying to conceive for some time, you may have begun to doubt your fertility when yet another menstrual cycle arrives. Perhaps you have already received a diagnosis of Unexplained Infertility or maybe you are engaged in fertility treatment of some sort. In any case, Vibrational Infertility (Morris, 2009) might apply to you.

The Law of Attraction and Fertility

Understanding Vibrational Infertility requires an appreciation of the Law of Attraction and how this operates in our lives. Everything in the universe including thoughts, feeling and babies are vibrations of energy and information. The Law of Attraction explains that like attracts like. Your thoughts and feelings (which make up your vibration) attract experiences that match them.

So for example, when your dominant vibration is one of concern that you won't get pregnant or that you might lose your baby then that is what you are attracting... more worry and reasons to be anxious with regard to pregnancy and fertility.

I discovered with my three miscarriages that thoughts and feelings that seem to be irrelevant to pregnancy and fertility also have a huge influence on whether your pregnancy will be successful or otherwise (because they contribute to your vibrational output).

Vibrational Infertility

From my personal experience and my coaching work with women and couples around their fertility it is clear that many women and men who are having difficulty conceiving a baby have what can be called Vibrational Infertility.

Vibrational Infertility is a term I have coined to illustrate what is really happening when you are having difficulties in getting pregnant and/or staying pregnant. This explains that there is a difference between the vibration you are emitting and the vibration you want to attract (success in fertility). It happens when you are not (yet) a match for success in pregnancy.

This is great news for anybody trying to conceive because your vibration is not static. It can be changed and once you start deliberately shifting your vibration (using a process like the one I write about in my book 'Get Pregnant and Stay Pregnant with the Law of Attraction'), you can bring yourself into alignment with the pregnancy you desire so that it must manifest in your reality.

It worked for me and it can work for you too.

Wednesday, October 30, 2013

Swimming During Pregnancy - A Low Impact Exercise For Those Nine Months


Why swimming is good during pregnancy?

Swimming during pregnancy is one of the most relaxing and comfortable exercises that a pregnant woman can practice.

Swimming is a low-impact exercise and it is particularly suitable for pregnant woman.

During the third trimester, the potential conflict between the woman and the baby for glucose and blood flow is greatest. So swimming in a prone position (face-down) is excellent to promote optimal blood flow to the uterus.

Normally the core temperature of a woman does not rise so quickly when swimming, because heat loss by conduction is more efficient in water than air. Thus the baby gets an extra safeguard against overheating.

Pressure of the water encourages water loss, making swimming a particularly appealing option for pregnant women who tend to have edema.

During pregnancy there are changes in your cardiovascular and respiratory system. Cardiovascular system increases significantly in the late second and early third trimester. Swimming during pregnancy will help to regulate your cardiovascular system to avoid any cardiac complication.

Swimming increases muscle tone and strength, specially the back, abdomen and legs, which is important during the third trimester of pregnancy.

Pregnancy care when swimming

Diving and jumping into a pool are not recommended, because of the risk of injury for you or your baby, particularly after the first trimester when the baby is no longer within the pelvis.

Try to swim in a pool where there are not many people. Although swimming is a softness exercise, you may be exposed that someone could hit you.

Make sure the pool is clean. Even if your baby is protected by the placenta, you may get an infection in your vagina.

If possible, consider swimming lessons with other pregnant moms. You will feel more relaxed and confident.

Tips for Swimming During the First Trimester

If you have the energy, swim for at least 20 minutes every other day for the greatest benefit. Swimming first thing in the morning may relieve morning sickness and fatigue

Tips for Swimming During the Second Trimester

You will not have to cut down on swimming as your body grows larger. You probably will need to adjust your schedule, but wearing a maternity swimsuit may be more comfortable as your belly expands. It may be difficult to find one, however, if it is off-season.

Tips for Swimming During the Thirds Trimester

The water will support your joints and ligaments as you swim, preventing injury. You will not get overheat when swimming. The breaststroke is particularly beneficial in the third trimester, because it lengthens the chest muscles and shortens the back muscles. These are two areas that typically become uneven as your body changes during pregnancy.

Use a snorkel to relive the pressure on your neck that is created when turning your head to breathe.

Get Health Insurance Maternity Coverage Before You Need It


If you are just now signing up for a new health insurance plan you should sign up to get healthy insurance maternity coverage before you get pregnant. If wait until you are pregnant to get maternity coverage, it may be considered a pre-existing condition. This means that this pregnancy will not be covered.

You may be able to get maternity coverage if you are already pregnant on a group plan that does not have any maternity restrictions on it. However, you will not be covered under an individual health insurance plan or even under an individual family plan if you are pregnant at the time you apply.

If you are of the age that you may need maternity coverage at some point in the future, you are much better off adding the coverage to your plan from the beginning. When you do become pregnant there will be no question about your coverage. Some individual and family plans have a waiting period which you should find out about also. Some plans will require that you have the maternity benefit on the plan for 12 months before it is active.

Be sure to read the guidelines of the plan you are applying for before making a purchase. If this is something that you will likely need in the next few years, be sure you understand completely what will be available to you. You don't want to leave this issue to chance.

You will pay a higher premium for health insurance maternity benefits but it will be worth it. If you have a normal pregnancy, your medical care costs may be between $2000 and $3000. However, if you have complications with your pregnancy your medical costs can reach as high as $100,000 or even more depending on the circumstances. Better to be safe and add health insurance maternity benefits than to go without it.

How Much Does Artificial Insemination Cost?


If you are considering undergoing an assisted reproductive treatment to increase your chances of conceiving, the first thing you should know is that it won't be cheap. Secondly, experts will tell you that there are absolutely no guarantees for artificial insemination to work.

How much does artificial insemination cost if you're using your husband's sperm?
You'll be able to save a considerable amount of money by opting to use your husband's sperm. In a way, using your husband's sperm and foregoing the use of donor sperms as well as surrogate mothers would completely ensure that your future child is indeed the product of both your genes. Science just helped in having yours created and delivered safely.

The bad news, however, is that in spite of using your husband's sperm and without the services of a surrogate mother, you will still have to pay at least $300 for each cycle taken. In some cases, it could be as high as $700. If the sample taken isn't good for any reason then you'll have to pay for another cycle.

How much does equipment and medication for artificial insemination cost?
The amount for these fees would be somewhere between $1,500 and $4,000. The price can be higher depending on the institution that you're receiving treatment for artificial insemination. A small clinic may charge less than a hospital, but a NYC-based clinic could cost more than having treatment in a public hospital in Wyoming.

How much does artificial insemination cost in total?
Studies show that couples receiving this treatment would have to pay an average of $12,400 and that's just for one attempt of getting sperm and egg cells to meet.

How much can insurance companies reimburse you for?
This would depend on which insurance company you have a policy with as well as where you're living. Some states, for instance, require coverage for artificial insemination but your policy's terms and conditions may state that only the cost of fertility medications would be covered and nothing else.

If you would like to start with a more affordable treatment for conceiving, consider trying out any of the best natural treatments designed to help women conceive, like acupuncture for fertility. They're not just affordable but entirely safe to try as well. These suggestions have been very successful for other women. Learning more about these methods can help you in accomplishing your goal of getting pregnant.

Uterine Amenorrhea


The pathogenesis of amenorrhea is determined by the level of the neuroendocrine reproductive axis from which the disorder stems and, at every degree of the axis, whether it is due to a structural problem or to a functional issue of hormonal control.

In a previously menstruating affected individual presenting with amenorrhea, it's essential first to rule out pregnancy after which to assess thyroid purpose (serum TSH degree) and pituitary purpose (serum prolactin level) before approaching the workup of amenorrhea, compartment by compartment.

1. Uterine disorders-Scarring and damage towards the underlying stem cells from which the endometrium proliferates will guide to amenorrhea. In most instances, this occurs within the setting of endometritis right after curettage (scraping with the endometrium) possibly for postpartum bleeding or dysfunctional uterine bleeding.

To determine the presence of a functional endometrium, an amenorrheic affected individual is given possibly progesterone alone or the sequential combination of estrogen and progesterone. Renewed vaginal bleeding right after cessation of the hormonal treatment suggests that the endometrium is intact. This response also indicates how the cause of amenorrhea lies elsewhere (ie, is due to an endocrine defect causing absence or insufficiency of cyclic estrogen and progesterone stimulation).

2. Ovarian failure-Amenorrhea producing from ovarian failure could be either main or secondary to dysfunction higher in the female neuroendocrine reproductive axis. Primary ovarian failure happens having a premature loss of all follicles.

This can outcome from genetic disorders (chromosomal aberrations), autoimmune disorders (lymphocytic oophoritis), metabolic difficulties (galactosemia) or exogenous insults such as chemotherapy, toxins, or radiation. Secondary ovarian failure is caused by a lack of gonadotropin stimulation of otherwise regular ovaries, producing in failure to create the estrogen and progesterone needed for menstrual cycles.

a. Genetic causes-Genetic causes of ovarian failure consist of Turner's syndrome (abnormality in or absence of an X chromosome) and mosaicism (multiple cell lines of varying sex chroosome composition). Approximately 40% of patients who appear to have Turner's syndrome (short stature, webbed neck, shield chest, and hypergonadotropic hypoestrogenic amenorrhea) prove to become mosaics.

The presence of any Y chromosome in the karyotype of those individuals carries a high danger for gonadal germ cell tumors and is definitely an indication for gonadectomy. Therefore, a karyotype ought to be performed on any amenorrheic individual younger than 30 with high FSH and LH amounts.

b. Premature ovarian failure-Premature ovarian failure happens when atresia of follicles is accelerated in an ovary of a woman of reproductive age. It presents with symptoms and signs of menopause producing from estrogen deficiency at an inappropriately young age. LH and FSH amounts are increased. There is a lack of estrogen production and an absence of viable follicles.

In some situations, premature ovarian failure is just one manifestation of an autoimmune polyglandular failure syndrome by which autoantibodies destroy a quantity of different tissues, including the ovary. These sufferers also might have associated hypothyroidism, adrenal insufficiency, or pernicious anemia.

c. Long-term anovulation-Other patients are discovered to have sufficient numbers of follicles, but these fail to mature and ovulate. This situation is known as chronic anovulation and is also manifested as amenorrhea with intermittent bleeding (caused by uncoordinated overgrowth with the endometrium in response to stimulation by estrogen alone).

Left untreated, the high estrogen degree places these ladies at increased danger for endometrial carcinoma. Among the brings about of chronic anovulation is thyroid dysfunction. Both hyperthyroidism and hypothyroidism can alter ovarian purpose and also the metabolism of androgens and estrogens, producing inside a variety of menstrual disorders.

Another reason for chronic anovulation is hyperprolactinemia. It has been proposed that progressively a lot more severe hyperprolactinemia presents first as an inadequate luteal phase with recurrent abortion, then as anovulation with intermittent bleeding, and finally as amenorrhea.

d. Hormonal suggestions disorders-Disruption with the coordinated cyclical interaction between the ovary and also the brain can also lead to anovulation. This happens in patients with polycystic ovarian syndrome (PCOS), which impacts 2-5% of reproductive age women who present with amenorrhea and hirsutism. Patients are frequently obese with hyperinsulinemia with insulin resistance and dyslipidemia.

Additionally, they have elevated plasma androgens, with each other with increased plasma estrogens that are predominantly estrone derived from peripheral aromatization of adrenal androgens within the granulosa cell by the enzyme aromatase (cytochrome P450, loved ones 19, subfamily A, polypeptide 1, or CYP19A1).

The hyperinsulinemia is believed to be a key etiologic factor. Insulin outcomes in decreased hepatic synthesis of steroid hormone-binding globulin (SHBG) and insulin-like growth element binding protein-1 (IGFBP-1). The decreased amounts of binding proteins outcomes in an improve in free of charge androgens, estrogens, and IGF-1. IGF-1 and higher levels of insulin stimulate the IGF-1 receptor, leading to elevated thecal androgen production in response to LH, contributing towards the hyperandrogenemic state.

The high androgens favor atresia of building follicles and disrupt the suggestions relationships that normally outcome in selection of the dominant follicle for ovulation. The producing anovulation is associated with amenorrhea and estrogen-induced endometrial hyperplasia with breakthrough bleeding. The elevated estrogen amounts also are implicated in the improvement of endometrial cancer.

Thus, events occurring within the brain, ovary, and bloodstream of these sufferers work with each other to constitute a vicious cycle that maintains the aberrant feedback relationships. The high levels of androgens within the bloodstream are accountable for hirsutism. Patients with increased androgens from totally different causes (eg, Cushing's illness and congenital adrenal hyperplasia) also display amenorrhea associated with polycystic ovaries, suggesting that the structural changes within the ovaries are secondary towards the disordered suggestions.

e. Pituitary disorders-Head trauma resulting in pituitary stalk transection with loss of hypothalamic-pituitary communication ought to be regarded in patients with new-onset infertility with amenorrhea. The exact same is true of vascular accidents this kind of as Sheehan's syndrome, in which postpartum hemorrhage brings about hypotension and consequent ischemic necrosis of the pituitary.

Enlargement of the anterior pituitary throughout pregnancy might predispose to ischemia under conditions of hypotension. The pituitary around doubles in size throughout regular pregnancy, largely as a outcome of hypertrophy and hyperplasia of prolactin-secreting lactotrophs.

f. Hypothalamic disorders-Inputs from various central pathways impinge about the mediobasal portion with the hypothalamus, including the arcuate nucleus, from which GnRH pulses originate. Medications and illicit drugs that affect the neurotransmitters utilized in these pathways (opioids, dopamine, and norepinephrine) can, consequently, affect GnRH secretion as nicely. This underscores the significance of the getting a detailed medication and social background in the workup of amenorrhea.

Also important is really a detailed history of behavioral patterns or any recent life changes. Psychic stress (eg, that associated with moving to a various country) can lead to altered GnRH secretion and subsequent amenorrhea that lasts as much as 1 year. Vigorous physical exercise and excessive fat loss can also guide to impaired GnRH pulsatility, accounting for that amenorrhea observed in competitive athletes and in ladies with anorexianervosa.

Thus, a wide variety of elements that alter pulsatile release of GnRH can influence female reproductive physiology. Absence of menstrual periods due to a change in 1 of those elements is termed hypothalamic amenorrhea and is really a common cause of infertility. Correction with the underlying trigger often leads to some return of normal cyclic ovulation. If not, pulsatile GnRH therapy can reestablish the normal patterns of pituitary stimulation, receptor-mediated responsiveness, and suggestions, restoring fertility.

g. Indirect influences-In addition to factors that function directly about the GnRH-secreting neurons, indirect influences must be regarded. Main hypothyroidism, as nicely as main or secondary hyperprolactinemia, can outcome in altered GnRH pulse frequency and amplitude.

The subsequent diminished gonadotropin secretion produces a secondary ovarian failure and amenorrhea. Examples of problems that result in secondary hyperprolactinemia include lactation and treatment with drugs that have dopamine-blocking outcomes (eg, antipsychotic agents).

Don't Forget Your Health Insurance When Moving Abroad


Why do I need expat health insurance?

Even the smallest accident or minor illness can be expensive if you don't have adequate health insurance. Make sure that you and your family are fully covered before you move abroad and you have peace of mind knowing you will receive the best medical care, no matter where in the world you are and no matter how serious the illness or injury is. Expat health insurance is designed specifically for people moving from their country of origin to another location on a permanent basis. It makes sure that the transition from one system to another is smooth, and that you are not denied medical cover in your new home.

Some countries also insist that you have adequate health insurance in place before you take up residency. If it's a legal requirement and you don't have insurance in place before you arrive, you may be denied access to the country or even incur a hefty fine.

Expat health insurance is the same as a normal health insurance policy, but rather than just covering you in your country of origin, it ensures that you are covered for treatment in your new home from the moment you arrive.

Other reasons for taking out international health insurance

Apart from the legal aspect of entering your new country, there are a variety of reasons as to why you might need international health insurance including:

• The quality of your local country's healthcare system is poor or does not meet your needs
• Good quality local healthcare may be very expensive, even for prescription drugs or minor treatment
• The local healthcare system is confusing
• Language barriers make using the local system difficult

Why shouldn't I just wait until I arrive in my new home?

You could wait until you have reached your new country of residence (if they'll allow you in without medical insurance), but that could mean a delay of days or even weeks until you get coverage. During that time you would have no health cover to pay for any medical bills, which could become very expensive, very quickly. Even prescription drugs such as asthma inhalers and blood pressure tablets can be costly and cut into your family's finances at a time when you may need to spend more than usual. So not having medical insurance could easily add extra problems to what is what already a stressful period in your life.

Where do I find guidelines on requirements?

The Internet has a wealth of information on official government and state sites, which will tell you what insurance you need. While you are still in the UK you can check out the NHS website, which provides guides on healthcare in EU and non-EU countries. If you're moving to the USA, the State Department's website has a medical insurance and country guide that will give you with all the information you need. Other countries such as Australia and Canada also have their own personalised guides to health insurance that will help you decide which type of international health insurance is suitable for you.

What should I look for when buying Expat health insurance?

While we would all like to think that an accident will never happen or we'll stay in good health, you never know what might be around the corner. To ensure that you are covered for every eventuality, both short and long-term, you might want to choose a range of cover that includes:
• Chronic conditions such as cancer
• Maternity including pre and post-natal treatment
• Doctors/specialist visits and prescription drugs
• Emergency evacuation back to your country of origin
• Dental & optometrist treatment

You should also check if the plan offers "Paid in full" or whether it just covers a proportion of the costs for certain treatments, particularly for long-term illnesses such as heart disease. It is also sensible at this stage to decide what deductibles (excess) you are willing to pay. As with other types of insurance, the higher the deductible you are prepared to cover, the lower the overall premium.

You also need to what the maximum limit on the policy is so that you are certain that you are covered for everything, including emergency surgery or long-term medical treatment. The UK's Foreign Office recommends that you should take out a policy that provides at least 瞿2m / €2.5m / $3m in benefit limits.

It all sounds very complicated...

In fact, taking out expat health insurance is as easy as arranging any other form of insurance cover. The first thing to do is a little research into the requirements of your country of destination to find out what type of cover you will need. Then talk to insurance companies that specialize in expat health insurance, telling them where you're moving to and what kind of cover you would like. They will use their experience and expertise to find a policy that matches both your needs and the legal requirements of the country you are moving to. There are policies designed for international travellers who just want temporary cover, and for those who are planning to move to a new country on a permanent basis. Insurance providers such as CIGNA Global offer comprehensive international health insurance packages that are tailor-made to help people who are planning to make that big move abroad.

Once you've sorted out your international health insurance, you can then arrive in your new home, safe in the knowledge that you and your family will get the medical treatment you need, when you need it. Medical insurance also means that you won't have to pay a fortune for that treatment either.

The Advantage of Having an Independent Insurance Agent


If you have to choose between an insurance company agent and an independent insurance agent, you might want to choose the independent agent over the one who works for the company. It may look more impressive when an agent works for a company rather than by himself. But there are certain advantages that an independent agent has over a company agent.

Probably the most important reason that you should prefer an independent insurance agent is the fact that independent agents usually have a network of many insurance companies. An insurance company agent is only responsible for its company's policies, and is therefore limited with only what his or her company has to offer the clients. Independent agents, however, represent more or less five to eight insurance companies in the area. An independent insurance agent would have deep knowledge on each of these company's insurance policies, the prices, the coverage, and the services. As would depend on his or her client, the independent would then be able to put in the best combination of price, coverage, and quality that the client wants in an insurance.

Of course, this can't be all that elevates an independent agent over an insurance company agent, although most of the other reasons are tied to the reason stated above. For example, you are assured that the independent agent would be more informed and knowledgeable about the kinds of policies and services that each insurance companies are offering to clients. This is because he or she has many companies to cover. The company agent, on the other, has to focus on his company's policies, thereby limiting his knowledge about the coverage and services of the rival companies.

Given the vast business network of the independent agent, you are also assured that he or she is more effective with social interaction and negotiations. You will be able to assess how professional he or she is with how strong and experienced her customer and community ties are. This implies that the independent agent will be able to provide a better service, no matter from which company your insurance will come from.

In cases where you as a client and policyholder are dissatisfied with your current insurance, and you want some changes to the coverage and service, it would be an advantage if your agent works independently. This way, there will be only minimal changes to deal with since the independent agent is not beholden to just one company. If you stick to only one insurance company, however, and if you are only holding on to their policies, it might get difficult to get changes made especially if the changes you want is not included in their list coverages.

The one thing to really remember when choosing between and independent agent and a company agent is that you will get more quality and value from an independent agent. He or she will hunt down the best combination for you, filled with the right set of coverages and policies that you want. You are also assured that he will keep track of any changes to the policies and will take care of it for you. You can look at it this way: an independent insurance agent puts you first before the insurance companies lined up.

Tuesday, October 29, 2013

Is Fish Oil For Pregnant Women a Good Idea?


When women become pregnant they are advised to keep away from oily fish. The reason for this is because oily fish such as salmon and tuna are often caught from areas which are heavily fished and this causes the fish to be high in pollutants, especially mercury. So you would have thought fish oil for pregnant women would be a bad idea too, but you could in fact be wrong.

Pregnant women should of course consult with their doctor before starting on any kind of supplement, let alone fish oil, but if you get fish oil that has been processed in a particular way then there can be huge benefits for both the fetus and the mother. The process that the oil has to go through is molecular distillation. Basically this is a process of purifying the fish oil which means it should be perfectly safe to take. You do have to check that it has gone through this process though, as not all manufacturers do it.

Once you have found a fish oil that has undergone this treatment then the benefits that you get are all from the DHA fat to be found in it. Most supplements are higher in the other essential fat EPA but you really want one higher in DHA for the following reasons:-


  • Fetal Brain Development - The human brain is made up of about 60% fats and of that amount half again is DHA fats. Once developed the body does not make it any more and it has to come from an outside source. By taking a supplement the mother will be helping the baby because while its brain is being developed, it will be getting the best nourishment possible for it. It is believed that children born to mothers who have taken DHA during pregnancy have children that are less likely to have learning and attention disorders too.
  • Eye Development - As well as the brain having high levels of DHA so do the eyes. Again it is about 60% of the eye is made up of this essential fat; and although by taking it it will not stop a child having long or short sight if that is the way they are genetically made up, but it will help make sure that the retina is developed properly.
  • Asthma & Allergies - It has been reported that children whose mothers took DHA fats during pregnancy had very low numbers of children that suffered from asthma or allergies. Researchers are not 100% sure what causes these conditions but they think it is inflammation. Inflammation can overstimulate the immune system in the developing fetus causing the conditions but DHA which is well known for its anti inflammatory properties can stop this from happening.

One final thing about fish for pregnant women is that because of they way it feeds the brain it is known to help reduce the possibility of post natal depression too. So not only is it good for the baby but it helps out the mother as well.

Confinement Nanny Duties: How Far Should It Go?


There is a bit of controversy over what modern day confinement lady should be expected to do when they are hired to work for a new mother. It is a given that a confinement nanny will help with all aspects of care for the baby, but how far should they go to help the new mother? Should they be expected to do any or all of the following things?

• Cook meals for the entire family
• Wash laundry for the entire family
• Scrub floors
• Scrub bathrooms and the kitchen
• Clean up after meals and wash dishes
• Tend to older children in the family
• Pick up after the husband
• Serve guests that come into the home

For most of these items, a confinement nanny today would say absolutely no. The distinction needs to be made between a made or general hired help for the home and a confinement nanny. It's like hiring a nanny to help take care of older children. They are there for childcare, not to perform housework or to service the mother so she doesn't have to get up.

There are different types of hired help and a nanny hired specifically for the confinement period is different from all other types of help. This nanny is in charge of helping to care for the newborn, but not necessarily other children in the home. They are in charge of making sure the mother is comfortable, gets adequate amounts of rests, and is healing as she should. This doesn't necessarily mean that the nanny should cook meals for the entire family and do everyone's laundry.

The job of a confinement nanny should not mirror that of a maid hired to keep the house clean. There has to be a line where the duties of the confinement nanny are respected and lines are not crossed.

Communication is Key

Some confinement lady will step up and do these other household tasks, but they will usually want to be compensated for the extra effort. Others will only do a specific list of tasks that are commonly expected of a confinement nanny today. It doesn't matter what nannies may have done in the past. Things are a bit different today and communication right from the start is essential.

Before you contact an agency to hire a nanny, you should have a good idea of how much help will be needed, how long the services will be needed, and specifically what duties need to be covered. You can then communicate your needs clearly to a nanny service to see if they have someone who can accommodate all of those needs. If they don't, you will either have to use another service or hire more than one person to make sure everything is covered.

For instance, you may need to hire a confinement nanny to care for yourself and the new baby while hiring a part time nanny to care for other children in the home until you are on your feet enough to do that care for yourself. You may need a confinement nanny and a part time maid who comes in for the heavier scrubbing and picking up.

You have to be very clear about what you expect from your confinement nanny. She can then be very clear on how much of that expectation she is willing and able to live up to.

10 Questions To Ask Your OB-Gyn When You Are Trying To Conceive


When you and your partner make the decision that you are ready to start your family it can be a very exciting time in your life. First of all, you get to use baby-making as an excuse to rekindle some romance that may have slipped away with the daily routines of your lives. Second, the anticipation of a little one running around, while a bit scary, is invigorating. Finally, you're ready to join the mommy club.

You and your partner try month after month with no success. You're not worried yet because it has only been a few months. More than six months pass and you still are not pregnant. You start to become a little flustered. What do you do now? If you are under the age of 35, most doctors will tell you to try another six months before you consider alternative methods. Instead of just "trying" for twelve months, which can seem like forever when you want to conceive, I recommend talking with your doctor about some inexpensive initial fertility testing to rule out common problems, such as ovulation irregularities. However, if you are over age 35, then my advice is to talk with your doctor about fertility treatment options and the possibility of a referral to a Reproductive Endocrinologist (RE).

If you are new to the topic of infertility, you are probably not sure what to ask your doctor or where to look for resources or information. Below are ten important questions to ask your Ob/Gyn:

1. Do they take a reproductive history to determine if you have any infertility risks such as endometriosis, fibroids, recurrent miscarriages, etc.?

2. If your doctor hasn't done preliminary fertility blood testing, ask for a full-range of tests to determine if you have any infertility risks. It is important to be aware that some of these tests must be done at certain times in your menstrual cycle. Ask your doctor to explain why she is doing the tests when she is, so that you can be certain that your doctor is performing the test at the appropriate time.

3. Do they perform a semen analysis on your husband/boyfriend/partner? For example, if your spouse has sperm issues there would be no reason for your Ob/Gyn to prescribe Clomid (a common drug to stimulate ovulation). The goal is to minimize the drugs to which your body is exposed, the expense, and the emotional ups and downs you may experience.

4. What advice does your doctor offer for life style changes? For example, dietary changes can help increase your fertility as can regular exercise. However, sometimes even diet and exercise are not enough to resolve your medical issues.

5. What medications do they recommend or procedures do they offer for your condition(s)?

6. How much experience does he/she have with helping patients overcome their fertility issues? This is an extremely important question, as you do not want to stay with an Ob/Gyn who "dabbles" in fertility treatments because it could cost you time as well as money.

7. Who within their office can help you understand your health insurance benefits so that you can maximize your coverage for the fertility testing and treatments?

8. If they suggest Clomid, how many cycles will they recommend before considering additional testing or more advanced medications or treatments?

9. If they offer artificial insemination, known as intra-uterine insemination (IUI), do they monitor the number of follicles you produce via ultrasound before the insemination procedure takes place? Monitoring the number of follicles will alert them/you of the risk of twins or a high-order (three or more babies) multiple pregnancy.

10. Which REs do they recommend if advanced procedures are required?

There are four main organizations dedicated to helping the infertile community gather information as well as provide support either through articles, chat groups, or peer-lead support groups. RESOLVE: The National Infertility Association was founded in 1974 and advocates for the community in many ways, including mandated insurance coverage initiatives (see RESOLVE's website for information on the Family Building Act of 2007). INCIID, the InterNational Council on Infertility Information Dissemination, Inc., was founded in 1995 to provide infertility information and support. INCIID hosts discussion forums on its website. The American Fertility Association was founded in 1999 and offers easy to read informational and educational content on their website. Finally, Fertility LifeLines is a new educational resource for the community and offers discount coupons for certain medications.

Two of the most effective methods for surviving your fertility journey are to gather information and ask questions. For most of you, your Ob/Gyn will be your first step in the information gathering process. I urge you not to waste the opportunity to both gain as much knowledge as possible from your Ob/Gyn and to know when it is time to move on and seek the assistant of a fertility specialist.

The Adrenal Glands Are Responsible for Female Hormone Imbalance Symptoms


If you are a woman who has 'Female Hormone Imbalance Symptoms' its likely that your ovaries have not simply decided to turn against you, but that the underlying cause of your hormonal problems lies somewhere entirely different. The adrenal glands are the 'master glands' that control whether you make stress hormones or you make female hormones. Under normal circumstances, women are able to make adequate amounts of both sex hormones AND stress hormones, but so many women are under such constant stress, or at least PERCEIVE that they are under constant stress, that they are continually in a 'fight or flight' response that leads to Adrenal Gland Fatigue.

And whenever we perceive that we under a stressful situation, our adrenal glands produce stress hormones such as cortisol. But cortisol and ALL other hormones, including thyroid hormones, male hormones and female hormones, share a precursor hormone called pregnenolone that is the 'limiting factor' for production of these hormones.

But because stress hormones are designed to be released in the event of an EMERGENCY, cortisol ALWAYS take precedence over thyroid and sex hormone production. So, in the case of women who constantly perceive themselves to be under stress, a condition called 'Pregnenolone Steal' will occur. When cortisol takes the lion's share of precursor hormones, then all other hormones take the back seat, leading to hormone imbalance symptoms.

In true emergency conditions, this condition lasts for minutes to hours at the most, but when people today are in CONSTANT states of perceived stress, it's no wonder that there is an epidemic of female hormone imbalance symptoms and thyroid hormone imbalances that cause so many women to be fatigued, have PMS, infertility, fatigue and other hormonal disorders.

Yet, if balance is restored by easing the stress on the adrenal glands through the reduction of emotional stress, inflammatory stress and dietary stress, then the excessive load can be taken off of the adrenal glands and diverted back to their rightful place in the hormone lineup and the epidemic of hormonal imbalance symptoms can be corrected.

3 Potential Problems That the Father to Be May Face During Pregnancy


Expectant fathers should be aware of the potential problems that accompany the couple's pregnancy. Presented here are three issues that the father to be should anticipate and try to prepare for.

The Woman's Physical Changes

Pregnancy results in a variety of bodily changes ranging from rapid gaining of weight, to a feeling of continual exhaustion. These changes can lead to sexual intimacy difficulties as some women may not be ready to adapt to the physical transformations that accompany pregnancy. The first couple of months may possibly result in a lack of interest in sex due to morning sickness and a general feeling of discomfort, the next several months result in a range of changes such as gaining weight and abdominal swelling. This may possibly create thoughts of being unattractive and fearing that they may never again look feminine. These thoughts may also be shared by the partner, thus adversely affecting the couple's sexual interest and physical appeal. Some fathers to be erroneously believe that they may injure the unborn baby during sexual activity and, as a result, refrain from sexual relations.

Financial Issues

At times unrecognized, money troubles tend to be at the heart of many couple's relationship troubles throughout pregnancy. Right from the beginning, there are many issues which must be resolved such as the expense of frequent doctors appointments, prescription drugs and dietary supplements for the expectant mother. Additionally with a little one on the way, couples face future concerns about the costs of taking care of the baby. The financial burden of future expenses relating to diapers, formula, baby clothes, strollers, playpens, post-natal and pediatric medical care, etc. can result in a strain on the relationship. Considering the fact that the mother's attention is centered on her pregnancy, financial considerations are often an issue that the father must worry about on his own. Despite the fact that financial issues are usually a joint responsibility, during pregnancy it is often the man who must address challenging financial issues and priorities. This may result in considerable stress and arguments which often leaving dads to be discouraged and depressed. It is really important to discuss your financial situation and plan for the additional expenses you will incur before you begin planning for a baby.

Depression

Symptoms of pre-natal and post-natal depression are among the most common of all difficulties encountered by women for the duration of pregnancy. The truth is, it is thought that just about twenty percent of pregnant women will find themselves experiencing symptoms of maternal depression. In addition to potentially putting both the mother and baby at risk, depression may also have an effect on the couple's relationship. Problems such as becoming easily irritated, moodiness and a feeling of persistent weakness that arise as a result of "gestational depression" can exasperate the woman's partner causing a strained relationship. At times the expectant mother may begin berating her partner for her problems and pain with remarks like "You have no idea what it's like carrying this baby around" or "You're never there for me when I need you". Hearing these complaints from a mate who is acting resentful and angry while staying calm and repressing the urge to respond with hurtful comments is very difficult to do. This contributes to a breakdown in the couple's ability to communicate.

Relationship complications throughout a pregnancy added to constant anxiety and emotional stress may have an impact on both the mother and the baby. These problems can result in an increase in blood pressure, premature labor and several other significant medical complications. Reduce the stress and anxiety by regularly discussing issues that arise. Communicate with each other; share your thoughts and concerns. Don't let fearfulness, anxiety, and tension affect your relationship with your partner. Spend time together as a couple and enjoy the wonderful experience of the development and birth of your child.

Monday, October 28, 2013

Postnatal Depression - Symptoms


So you have just had your child and you are wondering if you may have postpartum symptoms? Well I am glad you are reading this article. Postpartum depression can cause many new mothers a lot of heartache. Women who suffer from postpartum and leave it untreated may suffer lifelong changes in their personality.
There are several tell tale postpartum symptoms which can help assess your situation. First, postnatal depression can cause women to feel exhausted. Being a new mother though is a full time job and it is expected to wear you out, so we must look at other symptoms

If your hair and nails are dry and brittle your feelings may be caused my PPD. Localized pain in your legs hot spots and discoloration are also common symptoms. Appetite and weight can also shift when dealing with postpartum. Feelings of worthlessness without any reason are a symptom. Thoughts of death or suicide are a definite symptom and you must see a doctor if your depression is that severe.

If you have suffered from depression or anxiety prior to childbirth then you are more likely to develop PPD. You may have feelings of being "trapped". Many women also get a sinking feeling in their stomach, they ask themselves what about all of the plans I had for my life? It is important to keep an eye on your postnatal depression. Early treatment is critical for the health and safety of both you and your child. Remember that the choices you make now will affect your child directly.